Expertise.com

Best Health Insurance Agencies in Apple Valley

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Health Insurance Agencies FAQs

Learn more
Isu Armac logo
Visit WebsiteWebsite

License Verified:

License: 0C26179

California Department of Insurance

Isu Armac

17177 Yuma Street, Victorville, CA 92395
Visit WebsiteWebsite
  • Individual Health Insurance

Business Description

Isu Armac is a family-owned and independently operated agency serving Apple Valley. It offers a range of health insurance policies—including individual dental, medical, and short-term disability, and Medicare Supplement—to help cover the costs for various healthcare services, such as doctor consultations, regular dental check-ups, pharmaceutical prescriptions, specialized care, and surgical procedures. It represents over 30 carriers and assists clients in finding the right coverage for their needs. Other products include auto, boat, business, home, life, and motorcycle insurance.

License Verified:

License: 0C26179

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.8 / 5 (31)
Facebook
4.3 / 5 (29)
Yelp
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Medicare by Sandra D. logo
Visit WebsiteWebsite

License Verified:

License: 0M28676

California Department of Insurance

Medicare by Sandra D.

14156 Amargosa Rd., Suite H, Victorville, Ca 92392
Visit WebsiteWebsite
  • Individual Health Insurance

Business Description

Serving clients in the Apple Valley metro and its surrounding areas, Medicare by Sandra D. guides them in getting Medicare plans. Insurance representative Sandra D. assists senior citizens and their families in navigating and understanding the Medicare insurance system. She leads them to plans that cover their health needs, including prescription drugs, hospital, and outpatient coverages. In addition, she educates them about the options available, including Medicare Advantage, Medicare Supplement, and Part D Prescription Plan.

License Verified:

License: 0M28676

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)
The Term Team logo
Visit WebsiteWebsite

License Verified:

License: 0C86169

California Department of Insurance

The Term Team

21735 Us Highway 18, Apple Valley, CA 92307
Visit WebsiteWebsite
  • Individual Plans
  • Individual Health Insurance

Business Description

The Term Team offers health care protection options to clients in Apple Valley. It guides consumers in choosing Medicare, health, and dental insurance, as well as life final expense coverage. The agency represents multiple carriers that provide Medicare hospital coverage, doctor visit, and prescription drug plans. In addition, it guides individuals in selecting advantage and supplement plans. Co-owner Daniel Lamb is a life insurance agent and a registered representative who has been serving Victorville and Hesperia communities since 1999.

License Verified:

License: 0C86169

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Welsh Insurance Services logo
Visit WebsiteWebsite

License Verified:

License: 0G47539

California Department of Insurance

Welsh Insurance Services

1445 W. Redlands Blvd., Suite. B, Redlands, CA 92373
Visit WebsiteWebsite
  • Medicare Supplement Insurance

Business Description

Welsh Insurance Services helps clients in Apple Valley who are leaving their employer insurance for the first time and transitioning to Medicare—including those 65 or older, people with disabilities under 65 years of age, and those with end-stage renal disease. The company assists clients by making them understand Medicare Parts A to D, Medicare Supplement, and Medicare Advantage. Welsh Insurance Services is co-owned by Sarah Welsh, who has over two decades of Medicare billing and Medicare supplement insurance experience.

License Verified:

License: 0G47539

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (12)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Back to Providers

Frequently Asked Questions

Introduction

If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

How can you find affordable health insurance? 

Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

What is health insurance?

Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

How do health insurance companies make money?

Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

What is subsidized health insurance?

Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

What is a health insurance deductible? 

A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

Is it illegal to not have health insurance?

No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.

Does health insurance cover therapy? 

All Marketplace plans must cover behavioral health care services, including counseling, inpatient care, and substance abuse treatments. However, there are coverage limits, and preauthorization may be required.

What is a copay?

A copay is a fixed price that you pay at the time of service after your deductible is satisfied. Insurance companies set specific rates for primary and specialty care and other services, such as emergency room visits and X-rays. Alternatively, plans may have coinsurance rates that require beneficiaries to pay a certain percentage of covered charges.

What is the Health Insurance Marketplace?

The Health Insurance Marketplace is a federal service designed to help consumers compare and purchase subsidized health insurance plans that comply with the Affordable Care Act. A number of states operate their own insurance marketplaces, including California, Colorado, New York, and Pennsylvania.

How can you find health insurance without a job?

Individuals who don't have access to health insurance through their job can purchase ACA-compliant plans through the Health Insurance Marketplace. Off-exchange plans are also available through private insurers and independent agents. The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives certain individuals who are losing their coverage the right to maintain the same plan for a limited time period. 

Can you cancel health insurance at any time? 

Consumers can cancel their health coverage at any time. Cancellations may be effective immediately or at a specified date. However, you must wait until Open Enrollment to sign up for a new plan unless you qualify for a Special Enrollment period.

Can you have more than one health insurance policy?

It's possible to have primary and secondary health insurance. This is most common with Medicare and Medicaid beneficiaries, including dual enrollees and individuals who purchase supplemental plans. Secondary plans can cover some additional expenses, but you're still responsible for premiums and deductibles.

Is health insurance pretax?

Premiums for employer-sponsored health plans are generally deducted from the worker's pretax income. The same is true for voluntary contributions made to Flexible Spending Accounts and Health Savings Accounts that are paired with a qualifying high-deductible health plan.

How long can a child stay on a parent\'s health insurance policy?

Children can stay on their parents' health insurance plan until their 26th birthday. There's a 60-day special enrollment period following this date. Exemptions allow disabled adult children to remain on their parents' policy beyond this age.

Do you have to pay a health insurance deductible upfront?

In most cases, out-of-pocket expenses for approved services count toward your deductible. However, it's increasingly common for hospitals to request all or part of the deductible upfront when scheduling major services, such as CT scans and surgeries.

Do employers have to offer health insurance?

The Affordable Care Act requires companies with at least 50 full-time employees to make essential health benefits available to 95% of their workforce. Companies that choose not to offer such benefits may have to pay a penalty.

Is there a tax credit for having health insurance?

The Advance Premium Tax Credit is a federal tax rebate designed to lower the cost of health insurance plans purchased through the Marketplace. Eligibility is based on income and household size. Consumers can decide how much of their tax credit to put toward their premiums.

Read all FAQs